Miami Lawyers
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Introduction to Chapter 13: The Wage Earner’s Plan
Clear, authoritative summary of Chapter 13 bankruptcy by Prof. Hernandez, explaining arrearage cures, plan feasibility, disposable income rules, and why many plans fail.
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Why Mortgage Delinquencies Signal Household Financial Collapse
Mortgage delinquencies are rising. Learn the early warning signs, why households default, and the steps homeowners should take before missing a mortgage payment.
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Credit Report Impact on Co‑Debtors When Someone Else Files Bankruptcy
A debtor’s bankruptcy can severely damage a co‑debtor’s credit report. Learn how misreporting happens and how co‑debtors can dispute inaccuracies.
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The 70% Default Trap. Why Consumers Lose Debt Lawsuits Before They Even Begin
Learn why debt lawsuits result in default judgments, and discover how fear, missed responses, and unlawful tactics lead to automatic losses.
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A Guide to Understanding Kansas Bankruptcy Exemptions
Clear overview of Kansas bankruptcy exemptions for Chapter 7 and Chapter 13, including residency rules, homestead limits, and protected assets.
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Short Sale or Bankruptcy? Evaluating Your Strategic Exit Options
Considering a short sale? Learn the hidden financial and tax risks and why bankruptcy may offer a more strategic, protective path forward.
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A Guide to Understanding Iowa Bankruptcy Exemptions & Protecting Your Assets
Iowa bankruptcy exemptions explained. Learn how to protect your assets, how Iowa’s exemptions work, & when Chapter 13 protects non‑exempt assets.
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Schedule I and J: The Reality of Monthly Cash Flow
Chapter 7 eligibility requires more than passing the means test. See how Schedules I and J reveal disposable income and shape your bankruptcy outcome.
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Are You Underwater? How America’s Debt Crisis Increases Personal Bankruptcies
National debt is surging, raising interest costs and pushing households toward bankruptcy. Learn how federal deficits increase personal financial risk.
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The Rise in Foreclosures: Why Acting Early Saves Your Home and Your Money
Foreclosures are on the rise in 2026. Discover how acting early saves your home and your money by avoiding the hidden, escalating costs of legal delay.
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Luxury Expenses in Bankruptcy. Like Golf?
Liam’s bankruptcy case raises issues about golf expenses and unsecured debts during his filing.
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Strategic Debt Relief: How Personal Loans Can Help
Personal loans can relieve debt, improve credit, and settle creditor lawsuits, despite credit challenges.
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Understanding Non-Dischargeable Debts: Why Bankruptcy Isn’t a “Get Out of Jail Free” Card
Can criminal fraud debt be discharged? Professor Alexander Hernandez, J.D., explains Section 523(a) and non-dischargeable debt using the G-Herbo case example.
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The Adversary Process and the Fall of Rudy Giuliani’s Chapter 11 Bankruptcy
Professor Alexander Hernandez, J.D., analyzes Rudy Giuliani’s Chapter 11 dismissal and the adversary process behind the $148M defamation judgment.
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Facing a Credit Card Lawsuit? A Law Professor’s Guide to the Process
When sued, know response due date. Sending a letter to judge is not a proper legal response.
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The Confusion with Mortgage Liens and Bankruptcy
Confused by how Chapter 7 or 13 affects your home? A bankruptcy professor explains why mortgage liens survive discharge and how to avoid costly foreclosure traps.
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Decoding Chapter 7: Exemptions, Means Testing, and the Disposable Income Trap
Chapter 7 bankruptcy involves liquidation, exemptions, means testing, and disposable income for debtors.
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Quick Guide to the Basics: Liquidation, Exemptions, and The Means Test
The blog explores Chapter 7 and Chapter 13 bankruptcies, focusing on exemptions and means testing.
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Understanding Trustee Scrutiny in Bankruptcy
Luxury expenses can jeopardize bankruptcy cases due to trustee scrutiny and disclosure requirements.
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Welcome to Bankruptcy.blog: Navigating Your Path to Financial Relief
Learn about Chapter 7 and 13 bankruptcy from Professor Alex Hernandez, author of “Consumer Bankruptcy Law” (Routledge). Get expert insights on student loans, mortgages, and filing resources for debtors and paralegals.